Q: My truck was repossessed. The bank did NOT send me written notification of repo or auction date and time. What can I do?
I was trying to sell my road tractor with the help of a dealer. I contacted the bank and let them know I was having a problem and could no longer make the payment and where the truck was sitting for sale. There were several phone conversations with the lady at the bank including a conversation with her and the dealer that had the truck listed. When it was all said and done the truck was "repossessed" in Dec 2016. I never received anything in writing about the repossession,auction date and time and when I called the bank I was told the vehicle "had" to go to auction. In Feb 2017 I received notice the truck was sold at half of what I owed on it. The dealer that was supposed to be helping me sell the truck ended up with the truck back on their lot after the auction. The bank is now trying to place a judgement against me. I recently pulled a vehicle transcript report from DMV that show the a disposition date of Sept 22,2016. Something is not adding up. What are my rights at this point?
A: You may be entitled to bring a claim in Court against the bank. It will get involved and may be expensive. You should consult a lawyer in your locale for advice.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
